Home warranty coverage
Coverage for the systems and appliances your home depends on, when they fail from normal wear.
- PackagesAppliances, Systems, Total
- Add-onsPool, well, septic and more
Choose a package
See what each home package covers
Tap a package to light up what it includes. Tap any item for details.
- Central air conditioning
- Furnace and heating
- Ductwork
- Plumbing
- Drain stoppages
- Electrical system
- Water heater
- Garbage disposal
- Garage door opener
- Ceiling and exhaust fans
- Refrigerator
- Oven, range and cooktop
- Dishwasher
- Built-in microwave
- Clothes washer
- Clothes dryer
- Pool and spa equipment
- Well pump
- Septic system
- Sump pump
- Roof leak repair
- Second refrigerator and freezer
What a home warranty is
A home warranty is a service contract that pays to repair or replace the systems and appliances in your home when they fail from normal wear. It is separate from homeowners insurance, which covers damage from events such as fire and storms.
How a claim works
When something covered breaks, you contact the provider. They send a contractor from their network, and you pay a service call fee set in your contract. If the failure is covered, the provider pays for the repair or replacement up to the plan's limits.
What affects the price
The plan level, the size and type of your home, the service call fee you choose, any add-ons and your location.
Common exclusions
- Problems that existed before coverage started
- Failures caused by improper installation, code violations or lack of maintenance
- Cosmetic damage and parts that do not affect operation
- Damage from storms, fire, flooding or freezing
- Costs above the per-item or annual limits in the contract
By state
Home warranty where you live
- Snow belt
- Desert heat
- Heat and humidity
- Mountain
- Plains
- Pacific coast
- Four seasons
- Arctic
FAQs
Frequently asked questions
Is a home warranty worth it for an older home?
Older systems and appliances are more likely to fail, which is when a home warranty is most useful. Problems that already exist when coverage starts are excluded, however.
Is there a waiting period?
Most home service contracts have a waiting period, commonly 30 days, before claims can be made.
Can I pick my own contractor?
Usually the provider assigns a contractor from its network. Some plans allow you to use your own with prior approval.
Can I buy a plan if I am not buying or selling a home?
Yes. Plans are available to current homeowners at any time, as well as to buyers and sellers during a sale.